Zomwe ogwira ntchito zaumoyo angaphunzitse zoyambira zochepetsera ndalama zogulira makasitomala

Pali zambiri zomwe zikuchitika ngati ogwira ntchito pazaumoyo wa digito adzatha kuthetsa vuto lakukwera kwamitengo yogulira makasitomala.

Chaka chatha, osunga ndalama adatsanulira $ 5.5 biliyoni yachuma m’nkhokwe za ogwiritsa ntchito digito. Komabe, ndalama zogulira makasitomala okwera zimakhalabe nkhawa yosathetsedwa yomwe ingachepetse malonjezo aumoyo wa digito wofulumizitsa mwayi wopeza chithandizo ndikuchepetsa kuchepa kwa othandizira amderalo.

Amakumana ndi osewera akulu angapo m’munda, kuphatikiza Teladoc Health Inc. (NYSE: TDOC) ndi Talkspace Inc. (Nasdaq: TALK), cholemetsa cholemetsa pamitengo yotsatsa yokhudzana ndi kugula kwamakasitomala, chayendetsedwa ndi kufalikira kwachangu kwamakampani azaumoyo a digito pambuyo pazaka zambiri zandalama zambiri.

“Ndinganene kuti timamuyamikira kwambiri [higher customer acquisition costs] “Kwa opikisana nawo ang’onoang’ono abizinesi omwe apeza ndalama zambiri posachedwa popereka ndalama zogulira malowa ndikupanga zisankho zopanda pake pazachuma,” atero a Jason Gurevich, CEO wa Teladoc poyimba ndalama kotala loyamba la kampani.

Pakadali pano, mliri wa COVID-19 wadzetsa mavuto okhudzana ndi kuthetsa mavuto azaumoyo.

Kutuluka kwa COVID kwachulukitsa katatu kuchuluka kwa anthu aku America omwe amafotokoza zachisoni mu 2020 poyerekeza ndi 2019, malinga ndi kafukufuku wa University of Chicago ndi Boston University. Kafukufuku wotsatira adapeza kuti kuchuluka kwachulukira kuchoka pa 27.8% mu 2020 kufika 32.8% mu 2021.

Payokha, chizolowezi chogwiritsa ntchito mankhwala osokoneza bongo kuyambira pomwe COVID-19 chidayamba chawonjezeka kupitilira 109,000 m’miyezi 12 yomwe yatha mu Marichi.

Kupititsa patsogolo zatsopano zokhudzana ndi teknoloji ndi chithandizo chamankhwala kumafuna kupanga zitsanzo zamakhalidwe abwino komanso zopindulitsa za digito, Project Healthy Minds CEO ndi woyambitsa mnzake Philip Shermer adanena kale ku Behavioral Health Business.

“Kungoyika ndalama zambiri zotsatsa pamoto, ndikuyembekeza kuti mkati mwazaka khumi mupeza kuti bizinesi yanu sibizinesi nthawi zonse,” adatero Shermer.

Ndalama zogulira makasitomala zimagwirizana kwambiri ndi anthu

Ogwira ntchito zachipatala amakhalidwe abwino ali ndi mwayi wolumikizana mwachibadwa ndi malo osamalira zaumoyo. Madera awa ali ndi mphamvu zambiri zomwe mwachibadwa zimapanga kuyenda kwa odwala pamsika wamba.

Zotsatira zake, nthawi yophatikizidwa ndi kuyesetsa kwachangu kwaogulitsa kumabweretsa kutsika mtengo kwa kasitomala, malinga ndi Nick Jaworsky, CEO wa kampani yotsatsa yomwe imayang’ana kwambiri zaumoyo wamakhalidwe, Circle Social Inc. , za bhb.

“Kumene ndalama zotsika mtengozi zimabwera ndikufikira anthu ambiri komanso mbiri yomwe imachitika,” adatero Jaworsky. Zomwe zimandigwetsa pansi [customer acquisition costs] Ndi zokambirana zapagulu zosawoneka zomwe zimachitika. “

Kukambitsirana kwapagulu kumeneku kumatha kuchitika mosasamala kanthu kuti wopereka chithandizo akugwira ntchito pamalo owoneka kapena osawoneka ngati alumikizidwa ndi gulu.

Jaworsky adati kasitomala wa Circle Social mdera la metro ya Seattle amamuyendera pafupifupi 90% kudzera pa telefoni lero. M’nthawi ya mliri usanachitike, kasitomala uyu ankangogwira ntchito mu njerwa ndi matope.

“Iwo anali okhudzidwa kwambiri ndi anthu ammudzi ndipo anali ndi mbiri yabwino COVID isanachitike,” adatero Jaworsky. “Chifukwa chake mwayi wowonjezerekawu umawagwirirabe ntchito chifukwa aliyense amawadziwa, ndipo pali zokambirana zomwe zimachitika ngakhale zili zapa telefoni. …

“Osewera mdzikolo sachita izi. Amayesa kukhala paliponse. Sangapange mbiri yabwino.”

Kusowa kwa gulu logwirizana la dziko kumafuna kuti ogwira ntchito zaumoyo a digito azipanga kusiyana kwa malonda apamwamba.

Zomwe deta ikuwonetsa

Makampani ochepa omwe amagulitsidwa pagulu akuwonetsa kusiyana kwakukulu pamitengo yotsatsa yamakampani azaumoyo wama digito kapena makampani ena azachipatala omwe ali ndi gawo lazaumoyo.

Malipoti a malipoti a ndalama LifeStance Health Group Inc ku Scottsdale, Arizona (NASDAQ:LFST) pafupifupi $11.7 miliyoni pakutsatsa ndi kutsatsa mu 2021, zomwe ndi pafupifupi 1.2% yazowononga zonse zakampani.

Woyambitsa nawo LifeStance komanso wamkulu wakukula kwa Danish Qureshi adati kampaniyo ikuyesera kuchepetsa ndalama zotsatsa kuti zikhale zosakwana 1% yazomwe zimagwiritsidwa ntchito panthawi yamafunso ndi mayankho amakampani omwe amapeza Q1 2022.

Kungoyika ndalama zambiri zotsatsa pamoto ndikuyembekeza kuti m’zaka khumi mupeza kuti bizinesi yanu sibizinesi nthawi zonse.

CEO ndi Co-founder wa Healthy Minds Project Philip Shermer

“Apanso, iyi si njira yogulitsira yomwe imadalira kwambiri kuyitanitsa mawu osakira kapena mtundu wosakhazikika wotumizira,” adatero Qureshi.

LifeStance Health imadalira kwambiri maubwenzi ammudzi omwe ali ndi mapulani azaumoyo, opereka chithandizo komanso kudzidziwitsa okha pa intaneti, a Michael Lister, yemwe adayambitsa komanso akuchoka CEO wa LifeStance Health, adatero poyimba ndalama kotala loyamba.

“Sitinayambe, ndipo sitinayambe, kudalira malonda omwe amalipidwa mwachindunji kwa ogula,” Lister anawonjezera.

Ndalama zogulira makasitomala ndi deta ina yotsatsa kuchokera kumakampani azaumoyo okhudzana ndi ntchito zapagulu nthawi zambiri sizimamveka bwino.

Acadia Health Care Corporation (NASDAQ: ACHC), wogwira ntchito zaumoyo wamkulu kwambiri ku United States, komanso wogwiritsa ntchito acute behavioral health center, Universal Health Services Inc. (NYSE: UHS) sanena za malonda, kutsatsa kapena ndalama zofananira m’makalata awo agulu ndi Securities and Exchange Commission.

Zikuwoneka kuti UHS sinavutike ndi ndalama zogulira odwala chifukwa ili ndi odwala ambiri kuposa momwe ingathe kupirira.

Kwa magawo angapo motsatizana, utsogoleri wa UHS walankhula za kulephera kwa kampani kukwaniritsa zofunika kwambiri za odwala chifukwa cha kuchepa kwa ogwira ntchito. UHS yatha kugwiritsa ntchito izi ngati chiwongola dzanja ndi olipira omwe amalipira mitengo yotsika kuposa yomwe kampani ikufuna kuwona.

Onse a UHS ndi Acadia Healthcare anakana kuyankhapo pankhaniyi.

“Kulankhula mophiphiritsira, tili ndi odwala omwe akuyenda kunja kwa zitseko zathu omwe olipira kapena makampani a inshuwalansi ali okonzeka kutilipira zambiri,” mkulu wa zachuma wa UHS Steve Felton anatero pamsonkhano wapachaka wa 43 wa Global Healthcare ku Goldman Sachs mu June.

Kumbali inayi, nkhani zambiri za Talkspace Inc. (Nasdaq: TALK) ikuwononga ndalama zambiri pakutsatsa komanso kulephera kutembenuza kuchuluka kwa digito kukhala makasitomala olipira. Mu 2021, Talkspace idawononga $ 100.6 miliyoni pakugulitsa ndi kutsatsa, pafupifupi 63% yazowononga zonse, malinga ndi lipoti lake lazaka zachuma.

Mtsogoleri wamkulu wa Talkspace komanso Wapampando wanthawi yayitali a Doug Brownstein adati pamsonkhano wokhudza zomwe kampaniyo idapeza kotala lachiwiri, kuti kampani ikuyesera kuwononga ndalamazo. Pazaka zitatu zapitazi, kampaniyo yachepetsa ndalama zomwe imawononga pawayilesi, koma zawonanso kuchepa kwa ndalama zomwe zimayang’ana kwambiri pakugulitsa mwachindunji kwa ogula.

Gurevich wa Teladoc anadzudzula zotsatira zokhumudwitsa za kampani yake ya maganizo a BetterHelp pa makampani apadera omwe amapeza ndalama zambiri zomwe zimayendetsa ndalama zogulitsira malonda.

Jaworski akukayikira zonena kuti kukula kwa mpikisano pakutsatsa kwa digito kukukweza mtengo wopitilira muyeso.

“Zotsatsa za Google, zotsatsa za Facebook ndi Twitter – zonse zimagwira ntchito mofanana [auction system and] Chitsanzo chandalama,” anatero Jaworsky, akumawonjezera kuti kuwonjezereka kwa mpikisano kumawonjezera ndalama.

Teladoc Health sichimalekanitsa ndalama zenizeni ndi BetterHelp. Ndalama zonse zotsatsa ndi kutsatsa zamakampani azaumoyo ku New York zidali $416.7 miliyoni, kapena pafupifupi 18.1% ya ndalama zake zonse mu 2021, malinga ndi zomwe amalemba pachaka ndi Securities and Exchange Commission.

Monga Talkspace, Teladoc ikuyang’ana kuti ichepetse ndalama zomwe imawononga pakutsatsa ndi kutsatsa ngati gawo lolinganiza ndalama zogulira makasitomala.

“Mudzazindikira kuti sitidzawononga ndalama zotsatsa m’gawo lachinayi, koma ndikutsika kwakukulu chifukwa cha kukwera mtengo kwa zotsatsa,” adatero Gurevich poyimba ndalama zachitatu.

BetterHelp ikuyendetsa ndalama zambiri za Teladoc Health.

Makampani awiri azachipatala a Hims & Hers Health Inc. (NYSE: HIMS) ndi American Well Corp. (NYSE: AMWL), yomwe imadziwikanso kuti Amwell, ndizochitika zamaganizidwe, nawonso. Amwell adawononga $ 66.2 miliyoni pakugulitsa ndi kutsatsa (15.3% yazowononga 2021) pomwe Hims & Hers Health idawononga $ 136 miliyoni pakutsatsa (42.5% yazowononga zonse).

Dalitso ndi temberero kwa opereka njerwa ndi matope

Quince Orchard Psychotherapy yakhala imodzi mwamakampani azaumoyo omwe akukula mwachangu ku United States mwa kukumbatira zotsatsa zomwe zimayang’ana msika wake.

Kampaniyo sigulitsa bwino ndipo ili ndi ndalama zotsika mtengo zogulira makasitomala, Carrie Singer, woyambitsa komanso mwiniwake wa gulu lachipatala ku Rockville, Maryland, adauza BHB. M’malo mwake, zimangodzilemba zokha mu kalozera wapaintaneti wa akatswiri, Psychology Today, ndikupangitsa kukhala pa intaneti ndi mapulani azaumoyo.

Kutumiza pakamwa komanso ma inshuwaransi amayendetsa odwala ambiri akampani kupita ku Quince Orchard Psychotherapy.

Chiyambireni kukhazikitsidwa mu 2015, mchitidwewu wakula ndikuphatikiza opereka 40 ndi ndalama zapachaka pafupifupi $7 miliyoni. Imalembetsedwa ndi Inc. 5,000 kuti muwonjezere ndalama ndi 87% kuyambira 2018 mpaka 2021.

“Ngati sitinatenge inshuwaransi, ndikuganiza kuti ingakhale nkhani yosiyana chifukwa anthu ali ndi zosankha zambiri,” adatero Singer.

Magawo akuluakulu a gawo la chithandizo cha maukonde sagwira ntchito ndi mapulani azaumoyo pazifukwa zingapo zodziwika. Pakati pawo, makampani a inshuwaransi nthawi zambiri amalipira ndalama zochepa pa gawo lililonse kuposa momwe wodwalayo angalipirire ngati akugwira ntchito pokhapokha kapena kunja kwa intaneti. Kuphatikiza apo, othandizira ambiri amapewa zovuta zoyang’anira kugwira ntchito ndi makampani a inshuwaransi.

Kafukufuku wa Milliman adapeza kuti makampani azaumoyo amakumana ndi kusiyana kwakukulu pakati pa mitengo yomwe thanzi labwino limaperekedwa popanda intaneti poyerekeza ndi ntchito zaumoyo.

Singer akuti eni zipatala ena omwe salumikizana ndi okhometsa msonkho amayenera kuyang’ana nthawi ndi khama pazinthu zakunja monga “kuwalitsa zithunzi za asing’anga” patsamba lawo.

“Tikadapanda kupeza inshuwaransi, ndikuganiza kuti ingakhale nkhani yosiyana chifukwa anthu ali ndi zosankha zambiri”

Carrie Singer, mwini / woyambitsa Quince Orchard Psychotherapy

Komabe, zovutazo zimakhala kukwaniritsa zosowa za anthu. Quince Orchard Psychotherapy ili ndi mndandanda wodikirira wautali.

Ogwira ntchito omwe ali ogwirizana kwambiri ndi madera nawonso amangopezeka m’maderawa. Izi ndizowona makamaka kuchokera kwa ogwira ntchito ndi othandizira.

Bungwe la Health Resources and Services Administration (HRSA), lomwe lili m’gulu la US Department of Health and Human Services, lapeza kuti madera ena ali ndi opereka chithandizo chamankhwala ambiri kuposa momwe amafunikira, pomwe ena ali ndi ochepa kwambiri. Izi zikuyembekezeka kukulirakulira mtsogolo.

Mu 2016, kumpoto chakum’mawa kunali ndi alangizi opitilira 5,700 a zaumoyo pomwe Midwest, South, ndi West anali ndi zoperewera za 10,100, 20,400, ndi 3,200 motsatana.

Mu 2030, kuchuluka kwa alangizi a zaumoyo kumpoto chakum’mawa kukuyembekezeka kutsika mpaka 2,700 pomwe kuchepa kwa Midwest, South ndi West kukuyembekezeka kukwera, motsatana, kufika 13,300, 22,000 ndi 7,500.

Pothandizira kulankhulana kosavuta pakati pa opereka chithandizo ndi odwala, thanzi la khalidwe la digito likhoza kukhala ndi phindu lotsimikizirika logonjetsa kugawidwa mopanda chilungamo ndi kupeza kwa opereka chithandizo.

“Vuto tsopano ndiloti mumangowoneka ndi aliyense mumzinda wanga. Mungathe kuwonedwa ndi aliyense amene amaloledwa kuchita m’dera lanu,” adatero Singer. “Koma mupeza bwanji munthu yemwe amakhala kudera lina koma ali m’dera lanu ndipo ali woyenera kwambiri? [the patient.]

“Umu ndi momwe makampani azaumoyo a digito amachitira – amasonkhanitsa misika yamagulu awa kuti zikhale zosavuta kukhala ndi malo amodzi osaka.”

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